Rebirth to 90s: Start from Scratch
Chapter 347: Loan negotiation
Bervska said: "Mr. Zhang, at most I will be my own person, and I will let you out 2%."
Two percent, that is 4 million, which is more than 10 million when converted into Chinese yuan, but now they are talking about a loan of several hundred million yuan, which is not a lot.
Zhang Qianxiu shook his head and said, "Mr. Bervska, I must leave all these things to you. I have full trust in you."
"Mr. Zhang can completely trust me." Bervska said confidently: "I am a famous person for integrity."
Zhang Qianxiu said: "Thirty percent of the cost, you help me handle it all."
"Impossible!" Bervska said: "Mr. Zhang, I gave you a 28% interest rate, which saved you a lot of money. It is very reasonable for you to pay a little more now."
"The interest rate can be higher," Zhang Qianxiu said.
"The interest rate is higher?" Bervska said in surprise: "Mr. Zhang, do you know that this is compound interest? If the interest is more than one percent a year, do you know how much you will pay back in ten years? "
Zhang Qianxiu said indifferently: "I know this in my heart. Ten years later, I will still settle the settlement with the current Lu Yuan."
Belvška was stunned for a moment, he keenly caught a point, Zhang Qianxiu emphasized that the settlement was settled in Lu Yuan, and it was still the current one.
This thought just flashed through Bervska's mind, because he thought it was impossible.
Bervska said: "Mr. Zhang, to be honest, I don't plan to cooperate with you until I see the gold you prepared, but I think I can give it a try when I see the gold."
"After talking with you for so long, you feel that you are either a madman or someone who doesn't understand anything."
"I believe you have enough knowledge, I can only say that you are crazy."
"Interest increased by 1%, I can make the farm and factory charge 2% less."
"But at least 4% must be reserved for them, and the money to open up the relationship cannot be less."
"In other words, 31% of the annualized compound interest, I take 13%, to open up the relationship 12%, the farm and the factory, to take away 4%, and 100% of overseas assets. Fifteenths."
"In the end, Mr. Zhang, you can still get 112 million, and there are 30 million overseas assets."
"Now I have dealt with Mr. Zhang for overseas assets for free, and I did not charge any fees."
Zhang Qianxiu said: "I am a superstitious person. The ratio is just 44%, 42%. If you make an even number, then I don't have any opinions."
Zhang Qianxiu knew very well that if Bervska didn't give himself a loan, there would be nothing he could do with him. If he can get a little bit more now, then he can get a little bit more.
As for the returned assets, isn't that your own? Do whatever you want to toss.
However, Zhang Qianxiu has no interest in overseas at present. The big reason is that the country has not yet joined the WTO. The real development of the country will not really start to take off until it joins the WTO.
But if there is a chance, Zhang Qianxiu will still go abroad to develop, but now is definitely not the time.
Bervska also looked helpless: "Mr. Zhang, if you reduce it like this, I really have nowhere to reduce it!"
Zhang Qianxiu said: "Mr. Bervska, I will give you 42% no matter where you are to reduce costs, and 15% of them will be for me to buy assets overseas. How to arrange the rest? ,I do not care."
"Before I see the money, I will not sign any word. After I see the money, I can sign all the materials that need to be signed."
Regarding these materials, Belvska didn't care very much. He had enough internal relations, but it was less than 2%, no matter how it was calculated, it was less of his income.
After you push me on both sides, the final decision will be 42.8% and the bonus will be 43%.
Zhang Qianxiu can get 115 million yuan, which is more than 500 million Chinese yuan.
When Zhang Qianxiu came out of the hotel, it was already around ten and forty in the evening.
After getting in the car, Zhang Qianxiu was still very happy. He originally wanted to go to the Soviet country. If Belvska could help him with everything, then he wouldn't have to go to the Soviet country.
Moreover, with this sum of money, he can also do more.
But now that Zhang Qianxiu was forced to do something, he really hesitated, not knowing what would be better.
Zhang Qianxiu still has one more worrying thing in his heart, that is, he does not have enough management personnel, especially the senior level.
Suddenly mentioning a team leader who originally managed a dozen people to a 1,000-person factory would definitely not work, and it was absolutely impossible to manage.
Kong Zhiwen drove the car and said, "Boss Zhang, the train ticket I bought is tomorrow. Tomorrow I will go to Black River Province. The person I called will probably arrive the day after tomorrow. He will go directly to Beijing and he will contact you. ."
Zhang Qianxiu gave an "um" and said, "Okay, it's okay for me to meet."
Kong Zhiwen said again: "Boss Zhang, do you have anything else to explain?"
"No, you can bring the gold when you come." Zhang Qianxiu said: "If you spend money, you can spend it. If you are short of money, just tell me."
"Boss Zhang, would you like to arrange someone to manage the finances?" Kong Zhiwen said: "I don't know much about finances, and I'm afraid of making mistakes."
Zhang Qianxiu said: "It's okay, as long as you don't lose money, it's fine if you lose a bit."
"If it is done well, we will continue to do it in the future. If it is not done well, it will be closed next year. There is no big deal."
Zhang Qianxiu's giving all the shares to Kong Zhiwen actually meant to test Kong Zhiwen. If Kong Zhiwen really worked in the coal mine, Zhang Qianxiu would definitely not reuse him in the future. After Su Guo was finished, he would marginalize Kong Zhiwen.
If Kong Zhiwen hadn't moved a little crooked mind, then even if Kong Zhiwen had passed another test, Zhang Qianxiu would believe him even more.
Back at the guest house, Su Yuwei hadn't slept yet, and was waiting for the two to come back.
"Why haven't you slept yet?" Zhang Qianxiu looked at the time, and it was already past eleven.
"When you come back, how are things going?" Su Yuwei asked.
Zhang Qianxiu smiled slightly and said, "It's almost done, and it will depend on how much he can lend me a loan."
"That's good! It's late, I'll go back to bed." Su Yuwei followed and said: "By the way, the gold is in the cabinet beside your bed."
Kong Zhiwen is still there, and Zhang Qianxiu can't talk about it, but can only respond.
Zhang Qianxiu picked up the box containing the gold and handed it to Kong Zhiwen: "I won't go to the Black River Province. You and Liu Qiying will go together. If you have any problems, you can make up your mind, unless something is too serious."
Kong Zhiwen took the box and nodded: "I understand!"
"You go back and rest! It's too early." Zhang Qianxiu said.
After Kong Zhiwen left, Zhang Qianxiu went to take a bath and lay on the bed. Zhang Qianxiu began to think about all the things he had come along the way, and by the way adjusted his previous plan.
After returning to 1990, Zhang Qianxiu felt at first that he had an understanding of future development and he would surely be able to break into a world. When he really took action, that was indeed the case.
He dared to take a loan because he knew that the money would depreciate in the future, whether it was domestic or foreign.
He will do lottery because he knows how attractive the lottery is to people. He does not develop the lottery because he knows that the "Lottery Management Law" will definitely be issued in the future.
With the memory of the previous life, he is like a fish in water.
But at the same time, he also discovered that the memory of his last life can only help him avoid many pits and find the right direction, but it cannot solve the problems he encountered in technology, management, and business rules.
He didn’t have these things in his previous life. Even if he came back from birth, he still didn’t. If he did, he would not be just an ordinary person in the previous life. He would have become a senior in a big company with an annual salary of millions. Driving a BBA car and living in a house in a first-tier city.
Along the way, he has been constantly adjusting his decisions, that is, the more he knows, the more perfect he will consider, and when he looks back, he will find that the decisions he made before were really stupid.
Zhang Qianxiu is confident that if the present self returns to the future, even if he does not understand the future development, he can not guarantee that he can be a billionaire, but he will certainly not be worse than the previous life. The boss, worth a million is still no problem, because he understands very business rules.
Now Zhang Qianxiu will definitely not plunge into the industry with his passion and understanding of the future.
If you go to buckle and a certain treasure now, you will surely lose all your pants. Now there is no Internet at all in the country, and the user base of the Internet has not risen.
Hasn't anyone taken a fancy to the network before Mouten and Ali?
There is a company called Yinghaiwei. The domestic Internet just appeared in 1994. At that time, it was only popularized in Zhongguan Village in Shangjing. There was no Internet in most parts of the country.
In 1995, Yinghaiwei was established. They were the first Internet company in China. When they got bigger, the two giants were still younger brothers.
There are many reasons for the demise of Yinghaiwei, one of which is that they went too fast, their technology was too advanced, they could not find a market, and they could not cultivate a market, because everyone had no demand in this area.
Zhang Qianxiu now has to formulate his own future development plan and find ways to cultivate his own talents.
If Su Guo's money arrives, Zhang Qianxiu decides to start his own talent training plan to train the talents he needs. It takes too long and must be prepared in advance.
Zhang Qianxiu's ultimate goal is to make chips, and talents in this area are definitely needed, but he still doesn't know which ones he wants, so he decided to find time to find an expert to ask.
With technical talents, management talents are indispensable, and management is comprehensive and professional, such as finance, personnel, business, public relations, promotion, operations, logistics, and so on.
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